About Us

Coverage by Design is a full service insurance brokerage serving our clients in New York, New Jersey and Florida. Our main focus and specialty is working with our clients doing public and private projects in the New York and the New Jersey construction market. Although protecting our construction clients is important to us, business owners and personal protections policies are just as important. From your personal homeowners and automobile policy, to your workers compensation and liability policy, Coverage by Design will be part of your team.

CBD adds an extra value to you that you cannot get from other brokers. We provide the type of services that other

brokers just cannot give either because of lack of knowledge or their focus is to sell you insurance. Our focus is not only to provide you with the most competitive prices, it’s to provide you with the personal “hands on” high quality that you can expect working directly with the principals of the company.

With CBD as your brokers and activates, you will have lower insurance costs, reduced exposure thus affording you a competitive bid in his highly competitive industry. Additionally you will be assured that you are with the right people who are continually watching your back both financially and responsibly.

Here is what you can expect from Coverage By Design Corp:
  1. The most competitive insurance premiums in your industry. CBD has access to most all insurance carriers and will send professional submissions to the carriers (not just a bunch of applications and unexplained items) so they will be able to underwrite your premiums with the most aggressive approach.
  2. Complete review of your insurance coverage’s and policies to insure that you are properly covered for all your exposures in your business and personal life.
  3. Personal dedicated service by our staff who all of which is continually receiving advance training and education in our industry as well as in the risk management area of the construction industry. We don’t just sell insurance, we work for you!!!
  4. Workers Compensation review of you policy and claims history to insure that the proper rates and discounts are given to your policy. Assistance on your audits to insure you are not over paying. Additionally, if you have had prior issues or problems, we will assist you in rectifying them. Also assistance and training with programs helping you manage your costs.
  5. Requests for certificates of insurance are sent to you within hours after receipt. A copy to you and a copy sent directly to your certificate holder.
  6. Annual claims reviews for current and prior claims with assistance in reducing the reserves that can cost you higher premiums.
  7. Attorney referral service with “construction” attorneys qualified to assist you with un-insured claims and construction defect issues.
  8. Loss Control services with OSHA classes, defensive driving, or assistance with loss control and safety on your jobsite.
  9. Review of your customer’s insurance requirements and consultation with you regarding their costs and the exposures they cover. Additionally, in some cases we can request other polices and coverage’s that can offer more comprehensive coverage that could be more cost effective and offer better protection.
  10. At your request, we will also work with your clients directly for you saving you time and money allowing you to concentrate on your business, not the insurance.
  11. A complete review of you risk management program and training and assistance to help you keep your insurance and claims costs down.
  12. Review and assistance with your Surety program, the costs and the program limits. We can also assist you in increasing you line of surety and developing a program. We work with the most knowledgeable, professional surety people with excellent relationships within the surety market.